Exact Online vs Xero

Pick Exact Online if you are a Dutch small or mid-sized business with an accountant who works in Exact. It covers bookkeeping, invoicing, VAT and ICP filing and bank processing, and you can add payroll or projects later. The AI agents handle invoice entry and bank matching, though the vendor's accuracy figures are claims, so test them on real invoices. Cost grows as you add users, administrations, bank connections and invoices, so list them before choosing a plan. If you are very small, it may be more than you need.

Pick Xero if your accountant uses it and you want the whole team in the books without per-user fees. The steps between its plans are easy to follow: limits on invoices and bills separate Early from Growing, and Established adds multiple currencies and project time tracking. Its accountant network is a real reason many advisers know it. Watch the lowest plan, because steady invoice volume moves you up quickly, and some features are add-ons. Check pricing and features on your local site, since a steep first-months discount gives way to the regular price.